Revolutionize your payment processing—and don't look back

Stop relying on workarounds and go cashless for good.

Tired of turning away customers because your business is deemed “high risk”? Sick of thinking you’ve found the answer to your payment processing woes only to have the workaround yanked away abruptly? Well, say goodbye to the payment processing limitations that have stunted your growth and cut into your potential earnings and say hello to Lüt. Our game-changing, closed-loop mobile payments app is tailormade for high-risk businesses that have been forced to rely on non-compliant workarounds and live with the anxiety of mandated payment processing shutdowns.

Treat yourself and your customers to the power of Lüt

Lüt is the world’s first mobile payments app exclusively designed to streamline and enhance cashless commerce between merchants and their consumers in both traditional and high-risk industries. Our revolutionary system marries mobile-to-mobile payments with a host of features to help merchants attract and retain their customers without the worry of mandated shutdowns because Lüt operates completely independent of the traditional payment rails.

Go digital and watch your business grow

Let’s face it. Cash payments create friction at the point of sale and come with an administrative burden and expense that you only tolerate because you’ve had no choice. Not anymore. Lüt’s revolutionary mobile payments app allows merchants in high-risk industries to finally divorce cash for good. Break free from the past, join the world of digital payments, and transform payment collection from a source of friction into a growth accelerant.

Increase your transaction volume

Eliminate the friction of cash payments and generate more revenue through increased volume by offering a 100% cashless payment system for both in-store and eCommerce transactions.

Maintain your point of banking revenue

Earn additional income through convenience fees on transactions - just like existing point of banking solutions, but without the NSF risk thanks to our good funds model.

Attract and retain loyal customers

Build customized promotional offers to attract and retain loyal customers and encourage happy customers to promote your brand through Lüt’s built in merchant review feature.

Transform your website into a real eCommerce platform

Quit fooling yourself. It’s not really eCommerce when cash is the actual form of payment for all your online orders or when the online payment you took bounces after the product it purchased already walked out the door. Well, those days are over. Lüt has and finally solved the eCommerce challenge for “high risk” merchants with our innovative good funds approach.

  • Guaranteed Payment:  Funds are verified and held when orders are placed
  • Flexible Fulfillment:  Finalize payment upon pickup or delivery
  • Additional Revenue:  Charge convenience fees just like point of banking
  • Clerk Friendly:  Enable cashless tipping for online orders
  • No Extra Hassles:  Automatic void for failed pickups or deliveries with optional restocking fee


Leverage Lüt incentives to help grow your business​

At Lüt, we are not just a payment processor – we’re your partner in growth. To prove it, we’ve put our money where our mouth is  by incorporating a unique combination of features into our revolutionary mobile payments app that generates long-term, passive income for your customers and merchant clerks alike.​

Consumers get cash back on every purchase
Lüt is the only debit-based digital wallet to offer consumers cash back on every purchase – with the ability to boost the cash back they earn by simply tooting the horn of our merchants on a regular basis.


Ongoing cash rewards for every Lüt referral
To heck with one-time referral bonuses. Lüt doles out cash rewards to its Ambassadors every Friday on Lüt Pay Day based on the purchase volume of the Lüters they have referred. To boot, more Lüters equals more business for Lüt merchants.

Passive income for merchant clerks
Lüt offers merchants an exceptional opportunity to supplement their clerks’ income by automatically enrolling them in our Lüt Ambassador Program. And when clerks push Lüt that means more cashless transaction volume for merchants. 
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Seize the cashless advantage without the sacrifice

For years, the transition to cashless payments presented a painful dilemma. Embracing digital convenience meant potentially sacrificing valuable revenue streams for merchants and reducing tip income for clerks. Lüt has eliminated this trade-off by developing an innovative closed-loop digital wallet that maintains—and even enhances—these critical income sources.